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What insurance companies do not use credit score to figure premiums?
Wiki User
∙ 15y ago
Most insurance companies utilize your credit score to an extent. They use what is called an insurance score to help determine the likelihood of you filing a claim. The information that is essentially used will include things such as the amount of debt you have, the types of debt you have, and how long you've had credit.
Wiki User
∙ 15y ago
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What is the main service of a business continuity consultant?
Business continuity consultants help companies figure out their long-term goals. These consultants assist clients in planning for the future and remaining a viable business.
What is the best way to figure out how much business insurance I need to take out on my start up company?
You need to look at the risks of your business. How much damage can be done if something goes wrong and how much would someone likely sue for over it?
Is solihullpress a genuine envelope stuffing company?
So far I have not found any legit envelope stuffing companies. I am not saying they aren't, but look at this logically. For $8/hr or less if they outsource to another country, companies can get cheap labor to stuff envelopes. Then throw in the fact that there are machines that can do 1000's per hour and you will figure out for yourself that there is no real need for you to stuff their envelopes. What most of them are is a chain letter, add your name to the bottom and stuff 100 envelopes and mail them out and you will make $1000's of dollars. Not realistic.
How can one find out how to make money in a business online at home?
One would first need to figure out which type of business one wants to do. Then one would have to look at other businesses of the same type to figure out how to offer a competitive price.
What is your salary if you own your own clothing and sneaker store?
If your smart enough to own your own business you should be able to figure this out.Several factors figure into this --like do you have employees and what percentage of your monthly net income are you reinvesting in your business so it will grow.Decide what amount you can live on without jeopardizing your business.
How do you figure the amount of premiums paid into life insurance policy?
The premium is calculated on the basis of many factors. The insurance company will calculate the premium and inform you before you buy the policy.
Will credit card companies sometimes lower your credit limit if you maintain a zero balance?
Yes they will .. they figure you don't need their credit since you are not spending
What are the largest car insurance companies?
InsurerShareState Farm17.8%Allstate11.0%GEICO7.7%Progressive7.2%Farmers5.5%Nationwide4.7%Others 46.1 Figure are from 2010 and they are the top rated car insurance companies.
Do health insurance companies make a profit?
Of course health insurance companies make a profit. And since they are publicly held companies, it's easy to see figure this out. The key figure to watch is called "medical benefit ratio." Simply put, this figure measured how much is paid out for each dollar of premium they collect. Ideally, if you pay $1 of premium, they would pay you a full dollar in benefits. But since the insurance companies have overhead, processing costs, fraud, profits, etc, it works out to be less than $1. Aetna, one of the largest insurers in the US, routinely publishes this number, and it's usually somewhere around 81.5%. This means, for every dollar you pay them in premiums, they pay 81.5 cents back out to doctors and hospitals, and they keep 18.5 cents for their efforts. The per-capita health care expenditure for a person the in US is about $6000. If they private health companies did their job for free, that figure would drop to about $5000.
How much is bond insurance?
Bond insurance can vary based on the coverage you recieve. Checkign aroudn with a few companies and getting some quotes can help you figure out what the premium will be for oyu.
How do I go about finding companies that offer cheap life insurance quotes?
To find the cheapest life insurance just simply go online and go to a couple companies websites to get a free quote. Mostly all insurance companies now have free quotes online, so you can get a couple free quotes compare them and figure out which one is the cheapest.
Give him credit is an example of what figure of speech?
figure of speech is a kind of a style. the credit of this is point of figure.
What are the most common pitfalls of universal life insurance?
Universal Life Insurance is a great tool if SET UP PROPERLY.This is an intrest sensative product.If it is set up right your premiums will not ever go up and can actually build an attractive amount of cash.Unfortunatly there are crooked people in the life insurance industry.Some agents will sell this product under funded as you stated to wee they will devouer themselves.One very important question to avoid this is to ask to what age your policy is funded to.The best way to fund this product is to age 100..Your policy was probably funded to age 72.. The pitfalls of a universal life policy are: We discovered that your premiums go up after the age of 60, however they don't explain that to you. after awhile your premiums don't cover the cost of insurnce and the policy sort of eats itself up as the premiums are too expensive to continue the insurance. We nearly lost my husbands insurance. He has paid over $25,000 in premiums. Now we have to reduce the benefit in order to retain the insurance!! Their way of telling you is simply that when you get your statement it will say something to the effect that :If you discontinue premiums,( ab\nd of course you are & have been paying your premiums, you just aren't aware that they have increased to cover the cost of insurance!! the cost of insurance will be insufficient to carry you through the next billing.They only bill you for your normal premiums even though the premiums have increased to cover the cost of insurtance. If you don't figure it out, you will have lost your insurance without realizing why. You have to suddenly pay your normal premium plus the cost of insurance. almost double!! Then if you rpolicy should laspe, you would then have to prove you are still insurable. their goes all the money you have paid in for 20 or more years.This is just morally wrong & very sad!! BUYER BEWARE!!!
How much extra does it cost to add a 16 year old to your car insurance?
You cannot figure premiums in a forum like this. There are way to many factors that are considered in calculating insurance premiums. One company that I represent has 44 different classifications just for the driver. There are also different considerations for the vehicle. I recommend calling you agent and getting a rate to add your 16 year old to your policy. If it seems too high or just for kicks it is always a good idea to call an independent insurance agency and let them rate your entire policy to make sure you're gettingthe best rate and coverage. Deal with someone you trust. An independent agent represents many different companies and works for you not the insurance company.
How many registered insurance agents are there?
In India, Life Insurance Corporation of India alone has more than six lacs registered agents and there are 22 private insurance companies operating and the figure may surpass 10 lacs.
Where can I get help with finances?
The best way to deal with credit card debt is to get out a piece of paper and write down all of the companies you owe and amounts. Figure out what you can pay, and then call and offer a deal to the companies.
What do insurance companies test for in urine tests?
To answer your question about insurance companies testing urine samples; its because they have to figure out as to whether you do drugs of any kind or any other toxicoligy reports in terms of as to whether your iron count in your blood is high normal or low in order to figure out your life expectantcy and most of all the cost of your plan. Remember........ its all about the money!
